Hey All, Just a quick question, not sure what the right answer is. Say I have 60k in savings and 60k in equity that has been released and is now sitting available to use. Going to purchase PPOR and need 60k to close out the deal. I will need to use some of the other 60k for furniture and also will become contingency funds, so basically personal use. No plans in the next 3-5 years to purchase an IP. If I pay the 60k from savings and use the equity then it becomes mixed use for future use. If I pay the 60k from the equity loan then it becomes non deductible. I am thinking it probably comes down to IR? And given PPOR IR's are more competitive then it probably makes the most sense to use the 60k savings as a deposit and then slowly draw down on the borrowed funds for personal use? OR there is just a better way to do it?